Frequently Asked Questions

swirlcash.com provides a marketplace service where your loan request is submitted to a network of reputable lenders. Our service is always free--there is never a cost to you for submitting an inquiry. Your lender will have its own rates and fees that will be provided to you before you accept the loan. swirlcash.com is not a lender and does not make credit decisions.

New customers may have questions about swirlcash.com, which is why we have compiled the most common questions below. If you have a question that is not answered here, we are happy to answer your questions. Just complete the form on the Contact Us page and we will get back to you quickly.

If you have questions regarding a loan inquiry, approval, funded loan, payments or any other question about a particular loan, please contact your lender directly. If you received a loan, you should already have the lender’s contact information. Since we are not the lender, we cannot answer questions about pending or approved loans.

What is a personal loan?
Who can qualify for a personal loan?
How much can I borrow?
How will I receive the loan money?
If I have bankruptcy or bad credit, can I still get a loan?
How long does the process take?
Will I need a printer or fax machine?
What is the cost of a short term consumer loan
If I already have an outstanding cash advance loan is it possible to get a new one?
When and how do I repay my loan?
What happens if I’m late with a payment?
How is my private information protected?
When can I get another loan?
Is an extension possible on repaying my loan, and how many extensions can I get?
What happens if I’m not able to repay my loan?

What is a personal loan?
Personal loans might be called different things, but they’re all designed to provide you with temporary financial relief.
Who can qualify for a personal loan?
Most lenders require you to:
1. Be employed in your current position for approximately 90 days or have another source of adequate and predicable income;
2. Be at least 18 years old, and a US citizen or a permanent resident;
3. Have an income of approximately $1,000 per month after tax withholdings; and
4. Have a valid email address, work phone number and home phone number.
How much can I borrow?
The amount a lender is willing to give you depends on how the lender evaluates a number of factors, including your state of residence and applicable legal restrictions (loans are not available in all states). Many lenders in our network will loan between $100 and $5,000.
How will I receive the loan money?
Once the lender approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.
If I have bankruptcy or bad credit, can I still get a loan?
Personal loans generally are offered for people with good credit, although each lender has its own underwriting policies. An alternative for those with bad credit may be to seek a short-term consumer loan. If we cannot find a lender that can offer you a personal loan for the amount you requested, we will search our network of short term lenders to see if we can find a short-term lender for you.
How long does the process take?
It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a lender that is willing to work with you. You should have a response from one of our lenders within minutes. Final approval and funding is often done in as little as 24 to 48 hours.
Will I need a printer or fax machine?
Some lenders will ask for your permission to access your information such as bank statements or income verification online, saving you from having to fax or email copies of those documents. However, your lender might need you to fax or email a copy of your bank statement, paycheck stubs or other information. If you do not have access to a scanner or printer, consider visiting Office Max, Kinkos or another office service provider. You should also have access to a printer so you can print a copy of your loan agreement. If you have questions after your loan is funded, you will need your lender’s contact information!
What is the cost of a short term consumer loan
There is no cost to use swirlcash.com’s marketplace service. The actual cost of your loan may vary by lender. You will be provided information on the rates and fees before you accept the loan. Personal loans are not designed as long term financial solutions but are often less costly than late charges, NSF fees or reconnect fees for overdue utilities. Please only accept a loan if you believe you have the ability to repay it.
If I already have an outstanding cash advance loan is it possible to get a new one?
You may be allowed to secure more than one personal loan at any given time, but this will depend on your state’s laws as well as your lender’s practices. If you have an outstanding personal loan or other personal loan, you should let your new lender know about it before you accept a new loan.
When and how do I repay my loan?
If you have selected the convenient and secure ACH payment option, your loan payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your loan, please contact your lender before you miss a payment (additional fees may be involved).
What happens if I’m late with a payment?
Each lender has its own late payment policy and fees. Check your loan documents for details or contact your lender directly. Some states may regulate or limit late fees.
How is my private information protected
We use industry-recognized security and advanced encryption technology to protect your personal information. Your information is transmitted and stored securely in an encrypted format. Please review our privacy policy for additional details.
When can I get another loan?
You can use our service to get a new loan at any time (subject, of course, to state law restrictions). If you have recently taken out another personal loan that is still outstanding, please inform your new lender before accepting a new loan.
Is an extension possible on repaying my loan, and how many extensions can I get?
The rules on extensions or “rollovers” varies among lenders and also may be regulated by state law. Some states allow for multiple rollovers while others do not allow it at all. If you need an extension on your loan, make sure to contact your lender before you miss any payments. Most lenders will work with you to help you avoid missing payments or defaulting on your loan.
What happens if I’m not able to repay my loan?
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.

If you can’t make your payments on time, don’t ignore it! Talk to your lender ahead of time and see what they can do to help you make the best of the situation.

FACTS	WHAT DOES swirlcash.com DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and checking account information Transaction history and income Credit history and account balances
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons swirlcash.com chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does swirlcash.com share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

Who are we
Who is providing this notice?	swirlcash.com (dba swirlcash.com)
What do we do
How does swirlcash.com protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does swirlcash.com collect my personal information?	We collect your personal information, for example, when you Submit a loan request Provide your contact information Request help obtaining a loan We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes – information about your creditworthiness Affiliates from using your information to market you Sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

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